At the scene Collect and note down as much information — photographs and notes — as you can while at the scene. Vehicles — make, model, registration number, colour, condition, estimated speed, direction, use of lights or indicators, number of passengers. Damage — description of the damage to vehicles or property, and any injuries to people involved. Cars often sell for less than advertised so insurers will use official price guides Glass's, CAP etc.
What to do when you get into a car accident I get e-mails all the time from drivers who get into accidents while driving for Uber and Lyft and have no idea what to do. When the time comes and you have an accident while rideshare driving, you will want to be prepared.
More and more states are starting to offer rideshare friendly policies which means there are more and more agents that you can contact for help. Car insurance for Uber and Lyft drivers: I will be talking exclusively about states that assign fault. No fault states simplify things as your insurance company will always pay your damages regardless of fault, but most states assign fault and financial responsibility.
Here are the different pieces of the insurance policy and what they apply to: Liability — This part of your policy will cover damage to other cars, property and people that were involved in the accident.
Any injured persons that were in your car that are not direct family members are covered by liability as well. There is no deductible for any liability claims. Collision — This part of your policy covers damages to your own vehicle. There is usually a deductible associated with collision insurance and varies policy to policy.
Medical — This is one of the most misunderstood parts of insurance. Medical insurance covers yourself and anyone else in your car for medical expenses prior to assignment of fault.
If the Other Driver is At Fault This is certainly a better situation than the first example, but this is where most people get confused. Coverages are used differently. Liability — Not used here since you were not at fault.
Collision — This coverage is used temporarily until your insurance coverage can get payment from the other insurance company. With most insurance companies, you will be subject to a deductible until the other insurance company pays.
This coverage will pay out in the case the other person is at fault but does not have insurance. Medical — This covers you and your passengers until the other insurance company pays.
If fault needs to be determined, then it is handled like the other person is at fault until responsibility for the accident can be assigned. With all the boring, but important, background information out of the way, here is what you should do if you get into an accident while in a ride request with Uber, Lyft or Sidecar.
License plate — Make sure you get the license plate of the other car in case they decide to take off. Allow them to do the same. Listen — It is more important to gather information than it is to provide information.
These lies usually contradict the evidence but it is especially important to note if the other party changes their story multiple times after the accident. Witnesses — If there are witnesses, ask for their information and if they are willing to speak to police and insurance companies if asked.
If the other party is protesting that they were at fault and they clearly were, you would surprised how many people will come to your aid. This includes passengers in your rideshare vehicle. Make sure to ask for their contact information in case they decide to take off.
If the police are not willing to come to the scene, you should make a report at the nearest police station.Car Accident and Crash Report in Arizona, Updated Live.
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